Investiplan

03/05/2026

Money stress is more common than people think.
A lot of people are:
• Earning money
• Spending money
• But still feel like they’re not getting ahead.

And that’s where the pressure comes from.
The truth is, it’s not just about earning more, it’s about managing what you already have better.
That’s where real progress starts.
At Investiplan, we help people put a clear plan in place so their money actually works for them not against them.
💬 What’s one thing you wish you understood about money earlier?

29/04/2026

One of the biggest mistakes young professionals make?
👉 Waiting to start investing.
We often hear:
“I’ll start when I earn more.”
“I’ll get serious about it later.”
But in reality, time is far more powerful than income.
Starting early even with smaller amounts allows your money to grow and compound over time.
Delaying, on the other hand makes it significantly harder to catch up later.

The key isn’t to wait until everything is perfect.
It’s to start, stay consistent and adjust as you grow.
If you’re unsure where to begin, you’re not alone.

💬 We are happy to help you get started.

24/04/2026

Time is your greatest advantage in retirement – until it isn’t.

The longer you give yourself to save for retirement, the more manageable the journey becomes.

Start early, and you may only need to save around 15% of your income.
Wait 10 years, and that number could double.
Wait longer, and it becomes increasingly difficult to catch up.

The reality is simple: time reduces the burden – delay increases it.

It’s not just about how much you save.
It’s about when you start.

Read more on how time shapes your retirement outcome: https://nty.one/4tR7CGv

21/04/2026

Most people quit investing too early, not because it doesn’t work, but because it works slowly.

The Rule of 114 shows this clearly:
At a 9% return, it takes about 12–13 years to triple your money.

Wealth isn’t built in months. It’s built in consistency over time.
Stay the course.

What’s been your biggest challenge with investing?

15/04/2026

Most people don’t have a money problem, they have a plan problem.
The 50/30/20 rule is one of the simplest ways to take control:
• 50% → Needs (rent, food, bills)
• 30% → Wants (lifestyle, entertainment)
• 20% → Savings & investing

It’s not about restriction, it’s about direction.
Because if you don’t tell your money where to go, it disappears.

💬 Are you currently budgeting your money?

22/03/2026

Markets Losing $2 Trillion. War. Debt Explosion.

This isn’t clickbait — it’s the current reality.

• Global markets have wiped out $2 trillion in weeks

• Oil spiked above $100 (impacting EVERYTHING you buy)

• Inflation rising again

• US debt nearing $39 trillion

• Recession probability climbing

And underneath it all:

> War disrupting energy + food supply chains

> Consumers under pressure

> Interest rates staying higher for longer

Here’s what most people get wrong in times like this:

They freeze.

They wait.

They react emotionally.

And that’s exactly how long-term wealth gets destroyed.

But here’s the truth seasoned investors understand:

The moments that feel the most uncertain…

are often when the biggest opportunities are created.

So what should you actually be doing right now?

✔️ Get your investment strategy right

Diversified portfolios across global markets, sectors, and real assets — not overexposed to one economy.

✔️ Maximise tax-efficient structures

Retirement Annuities. Tax-Free Investments.

These aren’t “nice to have” — they’re your edge in compounding wealth faster.

✔️ Protect your downside

Income protection. Life cover. Severe illness.

Because if your income stops, your investment plan collapses.

✔️ Position for inflation

Energy, commodities, real assets, global exposure — not just cash losing value.

✔️ Have a plan (not opinions)

The market doesn’t reward fear or headlines.

It rewards discipline.

The real risk right now isn’t the market.

It’s not having a plan while everything around you changes.

📩 If you want a full analysis of your portfolio, reduce tax, or make sure your financial plan can handle worst-case scenarios — let’s talk.

Send a message to learn more

06/03/2026

🚨 WE ARE HIRING – FINANCIAL SERVICES ADMINISTRATOR (PRETORIA) 🚨

A Financial Services Provider in Pretoria is looking for a reliable and detail-driven Administrator to join our team and support our Financial Advisors.

If you have experience in the financial services industry and enjoy working with clients, administration, and compliance processes – we would love to hear from you!

What the role includes:

✔ Client onboarding
✔ Client file compilation and compliance verification
✔ Data capturing and record keeping
✔ New business submissions
✔ Processing insurance and investment claims
✔ Handling withdrawals and transfers
✔ Meeting coordination and diary management
✔ Administrative support to advisors
✔ Maintaining reports and registers

Experience that will be beneficial:

• Short-term or Long-term Insurance
• Investments
• Buy & Sell Agreements
• Wills and Estates administration

Systems experience (advantageous):

CommSpace | XPlan | Astute | Ninety One | Liberty Blueprint | Discovery Advisor360 | PPS PRO-Fit | Momentum Via | Hollard Lifezone

Requirements

📍 Pretoria based
📄 Matric
📊 Minimum 3 years’ experience within a Financial Services Provider
🎓 RE5 / RE1 or NQF 5 / NQF 6 in Financial Services (advantageous)

Salary

💰 R10,000 – R18,000 per month depending on experience and qualifications.

📩 Send your CV to [email protected]

No recruiters!

Please share this post if you know someone suitable! 🙌

08/12/2025

Did you know your life insurance can either save your family thousands… or cost them thousands?

How your policy is structured — who you nominate, your marital contract, and whether the policy is personal, company-owned, or part of a retirement fund — completely changes the estate duty and executor’s fees your heirs will face.

A correctly structured policy can avoid unnecessary tax, improve liquidity, and speed up payouts to your family.

If you haven’t reviewed your beneficiaries and policy structure recently, now is the time. A small change today can make a big difference later.

Some things to consider:

· Life insurance counts as “deemed property,” but smart structuring can eliminate estate duty.

· Your beneficiary choice—spouse, estate, company, or retirement fund—determines whether tax and executor fees apply.

· Spouse nominations and ANC-linked policies can avoid estate duty entirely.

· Naming your estate boosts tax and fees, so use it only for planned liquidity.

· Buy-and-sell and key person policies can be made fully tax-efficient when structured correctly.

· Retirement fund death benefits stay outside your estate.

· Review policies often — small tweaks can save your heirs significantly.

Contact us for a free consultation with a independent financial advisor.

Send a message to learn more

13/11/2025

Amazing day out on the course with the Ninety One South Africa team at Steyn City Golf Club!
🏌️‍♂️⛳️
Great golf, great company, and valuable conversations about markets, strategy and looking after our clients’ futures.

Thank you, Ninety One, for the invitation and the partnership — always a privilege. 🤝

10/11/2025